Harleysville, PA · Cert 31461 · Harleysville Financial Corp.
SI · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
45
Profitability
65
Liquidity
37
Efficiency
74
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Harleysville, PA · Cert 31461 · Harleysville Financial Corp.
SI · FDIC · 7 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #30 of 88 inst. · $0.7B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.06% | 1.08% | 1.15% | 1.21% | 1.22% | 1.69% | 1.50% | +35 bps | |
| Return on Equity | 10.73% | 10.55% | 10.68% | 11.45% | 12.15% | 12.25% | 17.19% | 15.24% | +379 bps | |
| Net Interest Margin | 2.91% | 2.92% | 3.05% | 3.19% | 3.05% | 3.06% | 3.28% | 3.28% | +9 bps | |
| Efficiency Ratio | 58.15% | 57.73% | 59.05% | 56.36% | 54.91% | 54.40% | 45.93% | 49.56% | -679 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.69% | 1.68% | 1.56% | 1.55% | 1.08% | 1.36% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.46% | 0.94% | 2.83% | 4.39% | 7.53% | 9.14% | 9.90% | 6.81% | +242 bps | |
| Loan Growth (YoY) | 7.08% | 5.64% | 6.75% | 5.24% | 4.29% | 2.64% | 1.01% | 0.50% | -474 bps | |
| Deposit Growth (YoY) | 2.67% | 6.78% | 5.93% | 4.77% | 1.20% | -1.16% | 0.50% | 3.18% | -159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.21% | 0.16% | 0.14% | 0.11% | 0.19% | 0.14% | 0.14% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 0.02% | +2 bps | |
| Allowance / Loans | 0.69% | 0.70% | 0.69% | 0.70% | 0.68% | 0.69% | 0.70% | 0.70% | 0 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.3x | 4.3x | 5.0x | 6.1x | 3.6x | 4.9x | 5.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.20% | 10.25% | 10.42% | 9.85% | 9.84% | 10.00% | 9.93% | -49 bps | |
| Total Risk-Based Capital | 15.03% | 15.19% | 15.11% | 15.02% | 14.57% | 15.37% | 15.81% | 15.98% | +96 bps | |
| Equity / Assets | 10.05% | 10.17% | 10.11% | 9.88% | 9.76% | 9.80% | 9.87% | 9.92% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.28% | 99.30% | 99.21% | 101.76% | 105.40% | 103.12% | 99.71% | 99.11% | -265 bps | |
| Liquid Assets / Assets | 15.78% | 15.08% | 15.11% | 16.62% | 18.40% | 20.12% | 21.68% | 21.76% | +513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 333% | 327% | 312% | n/a | n/a | |
Harleysville, PA · Cert 31461 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Harleysville Financial Corp.
SI · FDIC · 7 branches
Q2 2026
Return on Assets
1.49%
Rank 12 of 31
Net Interest Margin
3.28%
Rank 15 of 31
Efficiency Ratio
49.56%
Rank 9 of 31
Equity / Assets
9.92%
Rank 20 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.63% | 0.93% | 2.39% | Beats 61% | 12 / 31 | ||
| Return on Equity | 15.00% | 4.15% | 7.07% | 14.29% | Beats 81% | 6 / 31 | ||
| Net Interest Margin | 3.28% | 2.72% | 3.26% | 3.84% | Beats 52% | 15 / 31 | ||
| Efficiency Ratio | 49.56% | 49.04% | 63.83% | 80.34% | Beats 74% | 9 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.00% | 0.24% | 1.22% | Beats 63% | 11 / 27 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | n/a | 0.01% | Beats 26% | 21 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.18% | 13.01% | 19.43% | 42.39% | Beats 32% | 21 / 31 | ||
| Total Risk-Based Capital Ratio | 15.98% | 13.95% | 20.55% | 43.38% | Beats 32% | 21 / 31 | ||
| Equity / Assets | 9.92% | 9.21% | 12.36% | 21.28% | Beats 35% | 20 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.11% | 52.41% | 83.15% | 99.86% | 71st pctl | 9 / 31 | ||
| Loans / Assets | 73.98% | 37.80% | 67.87% | 79.23% | 58th pctl | 13 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||